Free Credit Counseling

This Is Guaranteed To Stop Creditor Harassment

With so many consumers falling behind on their unsecured debts, and in many cases completely defaulting. This of course has led to a marked increase in collection activity. All one has to do is look at how many searches are performed daily on "creditor Harassment", and "Exempt Income".

Just think about it. If a collector pulls your credit report and determines that you are not worth suing, then their next only option is to call you on the telephone, and hope to squeeze a payment out of you. Often times violating the Fair Debt Collection Practices Act, also known as the FDCPA.

It is important to note that this act applies to 3rd party debt collectors, and not the original creditor. Although at some point after a default, the original creditor will sell or charge off the debt to a 3rd party debt collector. Usually after 120 to 180 days of non-payment.

Violations of the FDCPA are punishable by fines of up to 1000.00 dollars per occurrence. So, how do I get the money you ask? Well, first you have to have a true provable violation of the act. This is not as difficult as you may think. For example: The law requires that a debt collector disclose the following information in every phone call: 1-The name of their company. 2-The name of the debt collector. (Often Violated) 3-That they are debt collectors. 4-If it is a first communication, they must state that they are debt collectors, and any information obtained will be used for that purpose. (Also often violated).

This is just a tiny sampling of violations. So, how does all this help you? Very simple. Their is a new very specific program called "Collection Protection", which for no money upfront, will enroll you, educate you, and then take your violation cases to court on your behalf, and split the recovery with you! So even if you cannot afford a Debt Consolidation or Debt Settlement Program, you can most definitely afford the FDCPA Violations Program.

If you would like to learn more or would like to enroll, which takes only about 5 minutes on the phone, simply call 877-766-2465, or visit: STOP COLLECTION HARASSMENT.

There you have it. Now you have no excuses not to take control of the situation.

Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465

Credit Restoration With This one two Punch

So just how long do you think it takes to raise a credit score? If you listen to all the talking heads, 7 years? or perhaps 10 years? I say How about one year, or less.

Here is how to do a rapid Credit Restoration. First, you need a reputable company, with a heavy track record of having unverified data, including late payments, charge offs, and yes sometimes even bankruptcies removed from your credit report legally. Oh you didn't know that could be done? Well that is due to the fact that you have been listening to the wrong people. I assure you that it can be done. Here is a company that in my opinion is the best in the country at doing it CREDIT RESTORATION WITH LEXINGTON LAW FIRM. For 99.00 dollars down, and 59.00 dollars per month with no contract, you will be well on your way to a higher credit score.

So that was step one, here is step two: There is now an awesome PRE PAID CREDIT CARD from 1st Bank of California, which will report to all 3 credit bureaus, thats, Trans Union, Equifax, and Experian, any recurring bill you pay with it. That includes utility bills, cable bill, cell phones and on and on. This will place a new on time tradeline on your credit report for each bill you pay using it. Awesome. The cost of the card is 29.95 and is directly available at Pre Paid Credit Card

There you have it. The unbeatable, raise your credit score one two punch.

Written By
Steven Ciantro
American Debt Enders
Certified Credit Counselor
help@americandebtenders.com
877-766-2465